Finance – Grocery Shopping Online – “To shop or not to shop…”

Early last year I had heard about online grocery shopping through a friend and after moving house and feeling completely exhausted, I thought I would try it for a week. Well, a week turned into a month, a month into a year and here I am still online grocery shopping. People do look at me funny when I say I do my weekly shopping online, but here are some of the benefits I have found. I use Foodtown/Woolworths Online Shopping.

  1. I save money – no spontaneous shopping. So often I find when I am in the actual store something catches my eye and I think I will try it out. Online shopping helps me stick to what I need which helps with the money side as well as the over-stocking side. The website saves my previous lists and purchases so shopping is pretty easy and I save on petrol which is a massive benefit these days!!!
  2. It saves time – it takes me about 15 minutes or so to order my groceries online and then about a 1/2 hour to put them away. That is a savings of about 1 hour or more.
  3. It involves the family – my family is more involved in choosing groceries as we are all at home when I am shopping. Even my husband can grocery shop if he chooses and that is indeed a benefit.
  4. Keeps me to my budget – surprisingly because I stick closer to my weekly budget than I do in the store. This is due to the spontaneous shopping that occurs and also because I can just shop the previous weeks’ list. My hubby likes that part!!!
  5. Uses my credit card – now that sounds weird, but because we pay off our credit card each month it is a practical thing to do. We get True Rewards points and we’ve been able to see a number of movies using those points. Grocery shopping is a necessary expense and it is fun to get a side-benefit from those dollars.

I have found online grocery shopping to be a lot of fun, I save money and stress and that is important to me!!!

Check it out for yourself – https://www.foodtown.co.nz

Happy shopping and don’t forget that Fit 4 Life members receive free financial planning as part of their membership. Chat to Bryce at reception to make a time.

Christy – Fit 4 Life Staff


Fitness – “Back away from the vehicle” – Tips on Backs from Fit 4 Life

A few new members have joined Fit 4 Life recently who have back pain and we’ve tailored their workout programmes to minimise stress to their back and spinal region. So this week I thought I would write about taking care of your back and spine as it is an area that – if it gets injured – it can really have a negative impact on the quality of your life for a long time.

Back and spine pain is something I know a lot about from personal experience. I seriously injured my lower back nearly 20 years ago and sometimes it still affects me today. In fact if I could go back and change one day in my past it would probably be August 15th, 1990 because that was the day my life changed forever.

People often hurt their back/spine by either lifting a heavy object or by twisting their spine in some unusual direction; and that’s how I injured my back while I was lifting – and twisting – while picking the back of my car up off the ground. (It’s true!)

I ruptured three lumbar discs and dislocated both of my sacroiliac joints. It took me 10 years just to get pain free and that’s only after dozens of physiotherapy and chiropractic treatments and a lot of rest.  The back and hip region are also a major source of muscular strength and power, and my strength was greatly diminished from that day on. As a result of this experience I now live as a ‘wiser weaker man’ like Johnny Cash sang about in his popular song, ‘San Quentin’.

So here are my five tips for managing back pain

Seek professional medical help

When I hurt my back it took about 6 months before I even went to see a medical professional. The reason I didn’t go sooner was because I had the typical youth macho gym attitude of ‘training through the pain’. Every other injury I had had up to that time had gotten better from training through the pain – but this one didn’t… I was still hobbling around six months after the injury until my wife finally convinced me I needed to get professional medical help. I was stupid and could have recovered a lot faster if I had immediately sought proper treatment for my back injury.

If it hurts don’t do it

Another mistake I made was to continue doing exercises like deadlifts and power cleans which kept aggravating and re-injuring my back over the next 10 years. I understand that for serious gym athletes it can be hard to give up exercises that you really like and enjoy – or used to enjoy – before you got injured. But believe me, you will never heal if you keep injuring yourself, and exercises that place extreme stress directly on your injured body part should be eliminated or severely restricted if you ever hope to let your body heal and recover.

Get a good mattress

I was 25 when I injured my back and my wife and I had been married for a couple of years at that time. It can certainly be challenging for young couples to make financial ends meet, so we had bought a cheap $400 bed when we got married thinking it was a good way to save money (which we could put towards other things). That bed worked fine – until I hurt my back. Sleeping on that lousy cheap mattress which had poor lumbar and spinal support was agony. I had major sciatic and disc pain from my injury, and trying to sleep on that cheap mattress was agony! In fact it took a couple of years of disrupted sleep before I decided that the bed had to go. We ended up shelling out $2500 for a decent bed with good springs and support, and it was only then that I was finally able to get better sleep and rest which greatly helped with healing and recovery from my back pain.

Walk regularly

Walking is a great exercise for back health and recovery. The natural gait of walking aligns your spine and hips and allows release of endorphins into your body. I recommend walking as a gentle way to begin rehabilitating your back if you have a serious back or spine injury. (Of course, if you find its aggravating your back in any way then fall back on my second point – if it hurts don’t do it! If it is hurting see your medical professional for alternative exercises).

Know your limits and use good exercise form

This is more of a preventative suggestion, but you should always use good form on your exercises. Jerking, bending, cheating, and excessive straining are techniques which you may be able to get away with for a while, but eventually you will injure yourself if you don’t use proper form. Weight training is built around the system of progressive resistance so you have to strive to use heavier and heavier weight(s) if you want to see progress. However – with the exception of powerlifters – it’s dangerous to do one repetition maximums in the compound exercises like deadlifts, squats and bench presses. Keep your repetitions in the 8-12 rep range and know your limits to decrease the possibility of serious injury – especially to an essential part of your body like your back.

Bryce – Fit 4 Life Staff

Friendship – Cold Nights…..warm friendships (and sport)!!!!

Relationships are really important to me and spending time with people I care about and enjoy is a priority. Sometimes I’m very purposeful with my times with people and then other times I just go with the flow.

Last night was a great example of a “go-with-the-flow” moment. My boyfriend’s flat organised a last minute “All Whites” football (soccer) party. I had just worked the late night shift at Fit 4 Life and met with 2 of my girls from Youth Group with my co-leader and hung out with them and was feeling ready for bed, but then I thought, “These are people I want to get to know better and you really can’t go wrong with watching the ‘All Whites’ playing in the World Cup!!” It’s not exactly an opportunity that comes around everyday!!  So, off I went despite my fatigue and it was lots of fun even though I half lost my voice from screaming with excitiment in the last 2 minutes of the game!! I’m definitely a proud Kiwi fan of our boys (‘All Blacks’ too) and think it’s a lot of fun to relax with friends watching and cheering behind the screen or on the sideline just as much as it is to participate in sport myself!

So if you want a cheap idea to invest into friendships…make the most of the winter season sports and organise a rugby or a footy party over at your place.  What better way in the cold winter weekends to be nice and warm inside and have some fun. Invite some people around that you want to get to know better mixed with a few good friends, have some yummy nibbles, home baking or just ice cream and chips which always seem to keep everyone happy!!  It’s usually the casual or the crazy nights that people remember later and over time develop into great friendships!  Have fun!!

Kirstie Pickering – Fit 4 Life Staff (and avid sports fan!!!)


Faith and Questions – How does that work?

This week’s blog article is on faith. Having questions about your faith is important.

What?! You may ask.

Well it is true – having questions about what you believe is a healthy thing, because it is in the search for the answers to those questions that you will discover if what you have put your faith in is something solid or not.

For me, searching for those answers has strengthened my faith in Jesus Christ and what He did and His promises for me.  If you are reading this and you don’t have a relationship with Jesus I really want to encourage you to look into it.  Here is a good place to start.

One of the things as a Christian that I have really enjoyed over the years and that has really helped me is the ministry of CRI – Christian Research Institute.  They have resources available on lots of different topics and they also have a daily Q&A talkback radio show called “The Bible Answer Man”.  I have found this broadcast to be very interesting and enlightening.  Check out their website www.equip.org

Jason – Fit 4 Life Staff


Finance – My Little Stash of Cash

In marriage, money is something that can become a sticky topic.

One thing I’ve appreciated about our budget is that it contains a weekly allowance for both Jason and I. This gives us each a bit of freedom to enjoy some small treats and prevents quibbles about, “Why are you buying that, do you need it?” kinda stuff. (My kind and generous husband even decided to allocate me double of what he gets in our weekly allowance! :) )

Because I’m the more ‘dangerous’ spender between the two of us, I have a separate account for this allowance, so it is limited to what’s in it. I know, if you see the bank statement you will laugh because it is a separate little account for not very much cash! You don’t have to do this, but it helps me. (And probably helps Jason feel safe haha.)

This means that every week I have some money to do ANYTHING I want with- a magazine, a random coffee, a piece of clothing or other fun things. I love this as I don’t feel guilty buying something that I may not necessarily need once in a while and don’t get worried that it will eat into our budget. Even though it is not a massive amount, it is still great, as I can accumulate or save up enough to buy larger items over months.

The tricky part would probably be defining what kinds of things would go under ‘allowance’. (Oh and the word ‘allowance’ might sound funny/childlike to some. You can call it something else if that word doesn’t work for you.) It is probably wise to agree on a clear definition together.

For us, the point of an allowance is to give us a bit of a breather to spend on unimportant-but-fun things we each desire, but as the amount is limited, there are boundaries that protect our overall finances. Please note that this is a minor category in the whole realm of budgeting, but I feel that this has helped us reduce some stress in handling finances within marriage.

hmmm. I initially thought to write about something a bit more exciting, like how to spend money! But I think I’ll leave that for another day…

Don’t forget though that members of Fit 4 Life can receive free financial planning so sign up today for your appointment!!!

Sarah – Fit 4 Life Staff